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Personal Checking Accounts
Makes your financial life simpler
Find out which account is best suited for your lifestyle and banking needs.
Not looking for a Personal Checking Account?
Browse business checking accounts »
Manage your money online with Virtual Wallet
Pay your bills, track your spending by category, set savings goals, and more with Virtual Wallet online tools. Explore money management tools »
Virtual Wallet is made up of Spend (your primary checking account), Reserve (for short-term savings) and Growth (for long-term savings) accounts.
Select the type of Virtual Wallet that best suits your needs:
- No PNC fees for use of non-PNC ATMs. Other banks' surcharge fees are reimbursed. See how much in your area »
- Free transactions at approximately 9,000 PNC ATMs
- Bonus rewards when you link a select PNC credit card*
- Multiple ways to avoid monthly service charge
Learn More
- Some PNC fees for use of non-PNC ATMs are reimbursed. Other bank's surcharge fees may be reimbursed. See how much in your area»
- Free transactions at approximately 9,000 PNC ATMs
- Bonus rewards when you link a select PNC credit card*
- Multiple ways to avoid monthly service charge
Learn More
- Free transactions at approximately 9,000 PNC ATMs
- Bonus rewards when you link a select PNC credit card*
- Earn cash with PNC Purchase Payback[1]
- Multiple ways to avoid monthly service charge
Learn More
- Provide proof of active enrollment in a qualifying educational institution to receive a monthly service charge waiver on your Virtual Wallet for 6 years.[2]
- Free transactions at approximately 9,000 PNC ATMs Find one near you »
- PNC Bank Visa® Debit Card
- International Services including language interpretation and international wire transfers. Learn More »
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Prefer a traditional checking account?
Important Legal Disclosures and Information
Offers are available from participating merchants. Your personal banking information is not shared with the merchants participating in PNC Purchase Payback. Whether you receive offers may depend on using your PNC Visa Card, or where you use your PNC Visa card to make purchases. Not everyone will get the same offer.
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Provide proof of active enrollment in a qualifying educational institution to receive a monthly service charge waiver. This waiver expires 6 years after the account is enrolled in the student banking program.
*The term "select PNC credit card" includes PNC points as well as cards no longer being offered such as PNC Flex and CashBuilder credit cards.
For additional information, see the Account Agreement for Personal Checking Accounts or the Virtual Wallet Fine Print.
PNC Purchase Payback is a registered mark of The PNC Financial Services Group.
PNC SmartAccess and SmartAccess are registered trademarks of The PNC Financial Services Group, Inc.
Visa is a registered trademark of Visa International Service Association and used under license.
Bank deposit products and services provided by PNC Bank, National Association. Member FDIC
PNC WorkPlace Banking is a registered service mark of the PNC Financial Services Group, Inc.
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